andy9eleven
RMS Regular
Also now noting "Driving Other Cars cover does not apply abroad."
Insurance Companies With Fully Comp ROI Driving
- Thread starter Lyons
- Start date
- Status
andy9eleven
RMS Regular
A bit ****, given that up until 3 weeks ago I was up and down to Dublin almost every week, visiting client sites.
She claims mine covers me comprehensively in the south for any period of time and not just the 30 days it shows above when they are informed. She also said I didn't need to inform of southern travel but just the likes of Spain, France etc :/
Edit : I've asked for email clarification exactly what's covered for ROI driving from autoline once they have checked with marker study..
andy9eleven
RMS Regular
@RMS Jonny Bottom of page 4 here doesn't agree with what they are telling us verbally. https://resources.markerstudy.com/media/1316/misl-private-car-key-facts-0818.pdf
Also, on the assumption that we do crash out of Europe, and knowing insurance companies try everything to get out of paying out, I'm not going to accept a verbal comment from a third party intermediary of "aye sure it's fine"!!!!
Also, on the assumption that we do crash out of Europe, and knowing insurance companies try everything to get out of paying out, I'm not going to accept a verbal comment from a third party intermediary of "aye sure it's fine"!!!!
Yea that's why I've requested it confirmed via email so I have something in writing. It's a bit of a mess and not clear at all.
Section G - territorial limits. Page 16 section 1&2.
andy9eleven
RMS Regular
Update.
@Andy888 See below which is an endorsement listed on my marker study certificate of insurance .
E551 USE IN THE REPUBLIC OF IRELAND
The geographical limits mentioned in your policy allow your vehicle to be used in the Republic of Ireland with indemnity as if it were in the United Kingdom.
From the above I would class this as comprehensive cover to drive in the Republic then? As currently my United Kingdom cover is comprehensive
.
@Andy888 See below which is an endorsement listed on my marker study certificate of insurance .
E551 USE IN THE REPUBLIC OF IRELAND
The geographical limits mentioned in your policy allow your vehicle to be used in the Republic of Ireland with indemnity as if it were in the United Kingdom.
From the above I would class this as comprehensive cover to drive in the Republic then? As currently my United Kingdom cover is comprehensive
.andy9eleven
RMS Regular
@RMS Jonny Nothing at all mentioned on mine!
It's listed on the endorsement section of the schedule if you take a look there?.
andy9eleven
RMS Regular
Nope! I only have codes 652, 653, 656, 658 which relate to general stuff like excess and protected ncb. No mention of countries anywhere on the cert.
Can't actually find the paper schedule they posted out, so atm can only by the pdf docs on Marker Study website.
Can't actually find the paper schedule they posted out, so atm can only by the pdf docs on Marker Study website.
Strange, when did you take the policy out? Mine has the above a E551 which states the above about use in the Republic but this is displayed on the schedule part of the paperwork.
andy9eleven
RMS Regular
@RMS Jonny Took it out Sept 2018.
Hence my reading of this doc which appears to be applicable to everything Sept onwards according to their site https://resources.markerstudy.com/media/1326/misl-private-car-policy-book-0818.pdf
Hence my reading of this doc which appears to be applicable to everything Sept onwards according to their site https://resources.markerstudy.com/media/1326/misl-private-car-policy-book-0818.pdf
- Thread Starter
- #41
Fantastic, good work.
I seen that but the actual schedule document they have enclosed with the certificate says otherwise so maybe worth double checking your actual certificate/schedule?
See screen shots below which you can see states the use in the Republic and the definition of it.
Last edited:
andy9eleven
RMS Regular
@RMS Jonny Nope - definitely only have those first 4 starting with a 6! Thank you for that screenshot though - very helpful - will be emailing tomorrow!
No problem autoline don't seem to clued up themselves regarding it. To the best of my knowledge and from reading the definition they give it looks like the cover in the Republic is the same as the UK so comprehensive?.
Ps that policy was only taken out last week so maybe they include that now but didn't before when you took yours out?
andy9eleven
RMS Regular
@RMS Jonny Yes, that 551 wording on yours reads to me that you have the same cover in RoI as you do in the rest of the UK.
Would definitely be worth enquiring tomorrow to see if they can add it to yours or why it's not there at present.. Let us know how you get on sure.
For future reference, Adrian Flux have a similar arrangement whereby you can benefit from the same level of cover north and south. It’s one of the questions I asked when renewing this year. The guy went to great lengths and came back to me to say it was all ok.
When you’re good, you’re good.
andy9eleven
RMS Regular
Have you that written down somewhere though? Guy in Autoline told me this morning it was fine yet any docs I have in my possession clearly disagree with that. Whereas you can see Jonny with the same insurer has it explicitly documented on his policy that cover in RoI is same as UK.
I wouldn’t be taking anyone’s verbal word for it, when the entire value of your car is at stake.
Good point. I didn’t actually proceed with their offering in the end up but I would have insisted on it.
- Status